Conventional
Flexible terms for primary, second, or investment homes.
- Down paymentFrom 3%
- Credit620+
- PMIDrops at 20%
Buying a home is a big deal — and it should feel exciting, not overwhelming. At Clear Home Loans, real people guide you with honesty, patience, and a plan that fits your life.
Pick what feels right — we'll take it from there.
First home, forever home, or a fresh start — we meet you exactly where you are, no judgment and no jargon.
Feeling a little overwhelmed? That's completely normal — we'll walk every step with you.
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Lower your rate, tap equity, or size up to the home your family's growing into.
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Turn a fixer into your dream, or build from the ground up — with one simple loan.
See howAnswer a few quick questions and we'll point you to the path that fits — instantly, and no email required.
Big banks make owning a home feel hard on purpose. We do the opposite. When we lend with truth, trust grows and the stress melts away — that's the whole idea.
No maze, no surprises — just a clear path we walk together.
A friendly conversation about your goals — no pressure, no commitment.
Know exactly what you can afford and shop with confidence — often in 24 hours.
Tour with your agent knowing your financing is ready to move when you are.
We handle the details so closing day is the exciting part — because you're home.
First-time buyer, veteran, self-employed, investor, or told "no" somewhere else — there's a real program for you. Tap any card to see exactly how it works.
Flexible terms for primary, second, or investment homes.
Low down payment and flexible credit — perfect if you're just starting out.
For those who served — zero down, no PMI, and great rates.
Zero-down financing for eligible rural & many suburban areas.
Financing beyond conforming limits for higher-value homes.
One loan to buy (or refinance) and improve — make it truly yours.
Built for business owners whose tax returns don't tell the whole story.
Qualify on 12–24 months of deposits — no tax returns needed.
Qualify on the rent, not your income. Close in an LLC and scale.
Use your savings & investments to qualify — great for retirees.
Homeownership for borrowers who file taxes with an ITIN.
See a payment or what you can comfortably afford — no login, no strings. Real terms come from a quick chat.
No scare tactics — just real math with assumptions you control. Sometimes waiting is the right call; this helps you decide with your eyes open.
The stuff we wish everyone knew before buying or selling — written in plain English. Yours free.
Every step from "should I?" to "I'm home" — budgeting, credit, down payments, and what to expect.
Sell smart: timing, prep, pricing, and how to line up your next move without the stress.
The top questions real buyers ask us — answered simply, so you feel calm and in control.
Spoiler: often far less than 20%. Here's what's actually possible.
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The real minimums — and how to make your score work for you.
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A simple way to find a payment that feels good, not tight.
Read moreEvery Clear loan officer has their own page — say hi, apply, or book a call in minutes.
"Closed in like 20 days and I felt like I got the princess treatment the entire time. 10/10."Cathy · First-time buyer
"As a self-employed borrower I was worried, but they made it smooth and stress-free. Truly cared."Ben · Self-employed buyer
"Warm, responsive, and honest from start to finish. I'll send everyone I know their way."Raquel · Realtor partner
Tell us a little about you, and a caring Clear loan officer will reach out with real, personal options. It takes about a minute — and there's zero pressure.